🕒 10 days ago
Manage incoming fraud cases, conduct client callouts and initial investigations, validate information and route cases, and support forensic teams with collecting and analyzing digital evidence.
Fraud Ops Analyst (Credit Line)
📅 Aug 19
Fraud OperationsFraud InvestigationsFinancial CrimeCard Fraud
📜 Description
- Review fraud alerts, high-risk applications, and suspicious customer activity across credit line and card products.
- Investigate identity fraud, account takeovers, synthetic identities, repeat borrower abuse, device resale, and other emerging fraud vectors.
- Monitor fraud trends, portfolio performance, customer behavior, and operational metrics to identify patterns and control weaknesses.
- Conduct manual reviews and customer outreach to validate applications and support investigations.
- Document findings, maintain case records, and escalate suspicious activity promptly.
- Support fraud rule and process optimization, prepare performance analyses, and recommend improvements with partner teams.
🛠️ Requirements
- Bachelor's degree in Finance, Commerce, Business Administration, Statistics, Criminology, Data Analytics, Computer Science, or a related field.
- Two to four years of experience in fraud operations, fraud investigations, financial crime, card fraud, consumer lending fraud, or digital payment fraud.
- Strong analytical and problem-solving skills with the ability to identify patterns, investigate anomalies, and make data-driven recommendations.
- Experience working with fraud tools, case management systems, dashboards, and operational reporting.
- Strong written and verbal communication skills in English.
- Ability to manage multiple investigations simultaneously while maintaining high quality standards and meeting operational targets.
✨ Benefits
- 100% Company Funded : Private Health Insurance for employee and immediate family
- 20 days vacation
- Phone finance, Headphone, home office equipment and wellness perks.
- $2,000 USD annual Co-working Travel perk
- $2,000 USD annual Professional Development perk
- Catered Lunch
Full job description
About PayJoy
PayJoy, a Public Benefit Corporation, is a mission-first credit provider dedicated to helping under-served customers in emerging markets to achieve financial stability and success. Our patented technology for secured credit provides an on-ramp for new customers to enter the credit system. Through PayJoy’s point-of-sale financing and card offerings, customers gain access to a modern quality of life. PayJoy’s credit also allows our customers to seize opportunities as micro-entrepreneurs, and acts as insurance for tough times. Through our cutting-edge machine learning, data science, and anti-fraud AI, we have served over 18 million customers as of 2025 while achieving solid profitability for sustainable growth.
This role
The Fraud Operations Analyst will be responsible for monitoring, detecting, and investigating fraud across PayJoy's Credit Line and Credit Card products in the Philippines. This role focuses on identifying emerging fraud patterns, conducting fraud investigations, supporting fraud mitigation initiatives, and ensuring operational queues and investigations are managed effectively.
The Fraud Operations Analyst will work closely with Fraud Operations, Risk, Product, Engineering, Collections, and Operations teams to identify control gaps, improve fraud detection capabilities, and strengthen fraud prevention throughout the customer lifecycle. This role is ideal for an analytical and curious individual who enjoys investigations, problem solving, and translating fraud trends into practical actions that protect portfolio quality and support sustainable business growth.
Responsibilities
Requirements
Benefits
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